The impact of farmers’ assessments of risk management strategies on their adoption willingness

doi:10.1016/S2095-3119(21)63749-8

摘要/Abstract

摘要：

农户对风险管理策略的评价以及其对农户风险管理工具采纳意愿的影响尚不明晰。对此，本研究利用469份农户调研数据探究农户对农业保险和农业价格保险的评价以及他们的评价对其购买意愿的影响。此外，重点关注了农户对农业保险和农业价格保险评价和采纳意愿的差异。研究结果表明，农户之间的交流和经验可以显著提高他们对农业保险的评价，而提供足够的保险信息是提高农户对农业价格保险评价的有效方法。此外，农户对农业保险和农业价格保险的有利评价将显著提高农户的采纳意愿。本研究为农户的风险管理评价对其采纳意愿有重要影响提供有力的实证证据。为了提高农户对风险管理工具的评价并进一步促进农户对风险管理工具采纳，应加强农业保险和农业价格的保险政策宣传，确保农业保险和农业价格保险实施的效果，并为农户提供完善的保险服务。

Abstract:

Farmers’ assessments of risk management strategies and how the assessments influence their willingness to adopt these strategies are poorly understood. This study conducts a structured survey of 469 farmers to investigate how farmers assess both crop insurance and crop price insurance, the impact of the assessments on their adoption willingness, and in particular, the differences in assessments and adoption willingness between crop insurance and crop price insurance. Empirical results show that farmers’ assessments on crop insurance can be significantly improved through communication and experience. The most effective way to improve farmers’ assessments on crop price insurance is providing adequate information about the insurance products. Furthermore, farmers’ adoption willingness would be enhanced by improved assessment of both crop yield and crop price insurance. This study provides the first empirical evidence that farmers have limited information to assess insurance, which significantly influences their willingness to adopt. This finding reflects that the dissemination of insurance policies, the effectiveness of insurance, and the availability of insurance services significantly enable farmers’ ability to assess risk management strategies, which potentially increases farmers’ willingness to adopt insurance.

Key words: assessments , adoption willingness , crop insurance , crop price insurance , protection motivation theory (PMT)

. [J]. Journal of Integrative Agriculture, 2021, 20(12): 3323-3338.

SHANG Yan, XIONG Tao. The impact of farmers’ assessments of risk management strategies on their adoption willingness[J]. Journal of Integrative Agriculture, 2021, 20(12): 3323-3338.

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